[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.astonet.cz\/kdy-je-ten-spravny-cas-na-refinancovani\/#Article","mainEntityOfPage":"https:\/\/www.astonet.cz\/kdy-je-ten-spravny-cas-na-refinancovani\/","headline":"Kdy je ten spr\u00e1vn\u00fd \u010das na refinancov\u00e1n\u00ed?","name":"Kdy je ten spr\u00e1vn\u00fd \u010das na refinancov\u00e1n\u00ed?","description":"Mnohdy v\u00fdhodn\u00e1 hypot\u00e9ka na bydlen\u00ed se m\u016f\u017ee b\u011bhem n\u011bkolika let prom\u011bnit ve zna\u010dn\u011b nev\u00fdhodn\u00fd \u00fav\u011br. No jo ale co te\u010f? Je pot\u0159eba si uv\u011bdomit, \u017ee \u00fav\u011brov\u00fd trh je velice prom\u011bnliv\u00fd a spole\u010dn\u011b s n\u00edm i \u00farokov\u00e1 sazba, kter\u00e1 v z\u00e1vislosti na ekonomick\u00fd podm\u00ednk\u00e1ch na\u0161eho st\u00e1tu roste nebo kles\u00e1. V\u00fdhodn\u00e1 \u00farokov\u00e1 sazba se b\u011bhem let tedy […]","datePublished":"2021-03-16","dateModified":"2021-03-16","author":{"@type":"Person","@id":"https:\/\/www.astonet.cz\/author\/#Person","name":"","url":"https:\/\/www.astonet.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/774cfd57496a9f02284489749b4229073861faca9d8a66df7d65507a77c5d31f?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/774cfd57496a9f02284489749b4229073861faca9d8a66df7d65507a77c5d31f?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"astonet.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.astonet.cz\/wp-content\/uploads\/puzzle%20d%C5%AFm_10_1.jpg","url":"https:\/\/www.astonet.cz\/wp-content\/uploads\/puzzle%20d%C5%AFm_10_1.jpg","height":0,"width":0},"url":"https:\/\/www.astonet.cz\/kdy-je-ten-spravny-cas-na-refinancovani\/","about":["Internet"],"wordCount":421,"articleBody":"       Mnohdy v\u00fdhodn\u00e1 hypot\u00e9ka na bydlen\u00ed se m\u016f\u017ee b\u011bhem n\u011bkolika let prom\u011bnit ve zna\u010dn\u011b nev\u00fdhodn\u00fd \u00fav\u011br. No jo ale co te\u010f? Je pot\u0159eba si uv\u011bdomit, \u017ee \u00fav\u011brov\u00fd trh je velice prom\u011bnliv\u00fd a spole\u010dn\u011b s n\u00edm i \u00farokov\u00e1 sazba, kter\u00e1 v z\u00e1vislosti na ekonomick\u00fd podm\u00ednk\u00e1ch na\u0161eho st\u00e1tu roste nebo kles\u00e1. V\u00fdhodn\u00e1 \u00farokov\u00e1 sazba se b\u011bhem let tedy m\u016f\u017ee zm\u011bnit na nev\u00fdhodnou, stejn\u011b tomu ale m\u016f\u017ee b\u00fdt i naopak. V takov\u00e9m p\u0159\u00edpad\u011b je na \u010dase refinancov\u00e1n\u00ed.Refinancov\u00e1n\u00ed st\u00e1vaj\u00edc\u00edho \u00fav\u011bru je pom\u011brn\u011b nov\u00e1 slu\u017eba \u0159ady bank, kterou u\u017e mo\u017en\u00e1 \u0159ada lid\u00ed zaznamenala nebo dokonce vyu\u017eila. Refinancov\u00e1n\u00ed hypot\u00e9ky Fahd.cz je v\u00fdhodn\u00e9, tedy jen za ur\u010dit\u00fdch okolnost\u00ed. Znamen\u00e1 to ve zkratce splacen\u00ed st\u00e1vaj\u00edc\u00edho hypote\u010dn\u00edho \u00fav\u011bru, kter\u00fd je ov\u0161em pro dlu\u017en\u00edka sjedn\u00e1n za v\u00fdrazn\u011b v\u00fdhodn\u011bj\u0161\u00edch podm\u00ednek. Mezi ty pat\u0159\u00ed prim\u00e1rn\u011b ro\u010dn\u00ed \u00farokov\u00e1 sazba nebo doba fixace, ale po dohod\u011b s nov\u00fdm v\u011b\u0159itelem i del\u0161\u00ed doba spl\u00e1cen\u00ed, \u00faprava m\u011bs\u00ed\u010dn\u00edch spl\u00e1tek \u010di slou\u010den\u00ed s dal\u0161\u00edmi produkty. D\u016fvod\u016f, pro\u010d refinancovat je tedy cel\u00e1 \u0159ada, p\u0159esto se najde st\u00e1le mnoho lid\u00ed, kte\u0159\u00ed tuto mo\u017enost nevyu\u017eij\u00ed a rad\u011bji nad\u00e1le spl\u00e1c\u00ed nev\u00fdhodn\u00fd \u00fav\u011br. Refinancov\u00e1n\u00ed Ale kdy? P\u0159i podpisu smlouvy o hypot\u00e9ku je zde jako jedna z podm\u00ednek podrobn\u011b seps\u00e1na i doba fixace. Jedn\u00e1 se o dobu, po kterou v\u00e1m banka garantuje nem\u011bnnou \u00farokovou sazbou. Toto obdob\u00ed se li\u0161\u00ed v z\u00e1vislosti na typu \u00fav\u011bru, ale i poskytovateli. Setkat se tak m\u016f\u017eete s dobou 5, 7 i 10 let. P\u00e1r m\u011bs\u00edc\u016f p\u0159ed ukon\u010den\u00edm aktu\u00e1ln\u00edho fixn\u00edho obdob\u00ed hypot\u00e9ky je klient obezn\u00e1men s novou nab\u00eddkou na dal\u0161\u00ed fixn\u00ed obdob\u00ed. Pokud novou nab\u00eddku akceptuje, nic z\u00e1sadn\u00edho se nem\u011bn\u00ed. I nad\u00e1le spl\u00e1c\u00ed hypote\u010dn\u00ed \u00fav\u011br st\u00e1vaj\u00edc\u00edmu v\u011b\u0159iteli. V p\u0159\u00edpad\u011b, kdy ale s novu nab\u00eddkou od v\u011b\u0159itele nen\u00ed spokojen, je ten spr\u00e1vn\u00fd \u010das na refinancov\u00e1n\u00ed. Je ale zapot\u0159eb\u00ed prozkoumat trh a naj\u00edt opravdu v\u00fdhodn\u011bj\u0161\u00ed nab\u00eddku \u00fav\u011bru, na kter\u00e9 se d\u00e1 u\u0161et\u0159it, p\u0159\u00edpadn\u011b vyjednat lep\u0161\u00ed podm\u00ednky.                                                                                                                                                                                                                                                                                                                                                                                                   "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Kdy je ten spr\u00e1vn\u00fd \u010das na refinancov\u00e1n\u00ed?","item":"https:\/\/www.astonet.cz\/kdy-je-ten-spravny-cas-na-refinancovani\/#breadcrumbitem"}]}]